Health – Happiness – Page 138

‘It’s not their money’: Older Americans worried debt default means no Social Security

ABC News

‘It’s not their money’: Older Americans worried debt default means no Social Security

Peter Charalamboust – May 23, 2023

If the United States defaults on its financial obligations, millions of Americans might not be able to pay their bills as well.

With Social Security and other government benefits at risk amid a political stalemate over the government’s debt ceiling, experts and older Americans told ABC News that the consequences of the impasse in Washington could be dire, including for older Americans who need the money to pay for basic needs such as food, housing or health care costs.

A quarter of Americans over age 65 rely on Social Security to provide at least 90% of their family income, according to the Social Security Administration.

PHOTO: President Joe Biden walks to the White House after landing on the South Lawn aboard Marine One, May 21, 2023 in Washington, DC. (Samuel Corum/Getty Images)

Fred Gurner, 86, of New York, told ABC News that he uses his Social Security payment for his $800 rent. But now there is real risk that his payment might not come in time in June — when the Treasury Department says the government might not be able to send him the money he counts on.

“It’s very stressful, gives me a heart attack,” Gurner said about how the issue has become politicized.

How are Social Security payments affected by the debt ceiling?

Since 2001, the United States has spent more money than revenue it has taken in overall.

To cover the difference, the United States Treasury issues debt through securities, according to University of Pennsylvania’s Wharton School of Business professor Olivia Mitchell. Backed by the United States, those securities are happily bought by investors who see it as a safe guarantee they’ll get paid back with interest.

However, the United States and Denmark are the only two countries to limit the amount of debt the government can issue, known as a debt ceiling, Mitchell noted.

MORE: Ahead of meeting with Biden, McCarthy says debt, spending deal needed ‘this week’

Lawmakers can pass new laws that require government spending, but the debt ceiling will remain in place until lawmakers vote to increase it. That has happened 78 separate times in the United States since 1960.

If that debt ceiling does not increase by June 1, Treasury Secretary Janet Yellen has warned House Speaker Kevin McCarthy that the country will not be able to satisfy all of its financial obligations.

Beyond not being able to pay interest and principal on government securities — which economists broadly agree would rattle the stock market and possibly damage the U.S. credit rating — the Treasury would be unable to issue new debt to cover expenses like Social Security, according to Mitchell.

The government projects to spend roughly $100 billion on Social Security in the month of June, according to the Bipartisan Policy Center.

“It’s going to be pretty tight for people for a while, unless Congress and the president can get together on this problem,” Mitchell said.

When would Social Security payments become delayed?

The Social Security Administration plans to send contributions to beneficiaries on four dates next month — June 2, 14, 21, and 28. Those checks would be the first ones at risk of being delayed, according to Max Richtman, President and CEO of the National Committee to Preserve Social Security and Medicare.

“Millions and millions of Social Security beneficiaries are worried about having the income to pay their basic bills,” he noted.

Lynda Fisher, 80, told ABC News that her budget relies on her monthly Social Security check and that a delay would complicate her essential spending, frustrating the 80-year-old who has spent her life contributing to the system.

PHOTO: FILE - House Speaker Kevin McCarthy, Republican of California, speaks with reporters in the US Capitol in Washington, DC, May 17, 2023. (Andrew Caballero-reynolds/AFP via Getty Images, FILE) — PHOTO: FILE – House Speaker Kevin McCarthy, Republican of California, speaks with reporters in the US Capitol in Washington, DC, May 17, 2023. (Andrew Caballero-reynolds/AFP via Getty Images, FILE)

“I paid into Social Security, and I paid into Medicare,” she said. “And now they’re trying to take it away. It’s not their money, it’s my money that I paid into.”

Richtman is now actively encouraging older residents to save money in anticipation of a delayed Social Security payment, fearing negotiations will not yield a compromise in time to avoid default.

On NBC’s “Meet the Press” on Sunday, Yellen indicated that certain bills might be prioritized, including interest payments, Social Security and military contractor payments. However, Richtman expressed doubt that such a prioritization would be legally possible.

What does this mean for the future of Social Security?

Some Republican lawmakers have framed the debt ceiling fight as necessary to slow government spending; however, some economists, including Mitchell, see this as a “manufactured crisis” that threatens essential services, retirement savings and the overall economy.

“Every time one of these crises occurs, it’s signaling to the rest of the world, and to American investors that U.S. Treasuries are not as safe as we thought,” Boston University economics professor Laurence Kotlikoff said.

MORE: Debt ceiling breach could cut millions of jobs. Here’s who would lose employment first

Kotlikoff expressed further concern that the Social Security system will have over $65.9 trillion in unfunded financial obligations over the indefinite horizon, based on the entity’s own report.

However, the debate over the debt ceiling appears unlikely to produce a meaningful solution to the broader Social Security shortfall, though, according to Kotlikoff, Mitchell and Richtman.

When will retirees receive their payments?

Mitchell and Richtman remained optimistic that Social Security recipients would eventually receive their checks once a deal is made, albeit with some delay.

“I’m pretty confident that payments would be fulfilled,” Richtman said. “That’s not much comfort to those people who will not be able to pay for their groceries, their utilities or their rent while they’re waiting to receive a back payment.”

Jimmy Carter, 3 months into hospice, is aware of tributes, enjoying ice cream

Associated Press

Jimmy Carter, 3 months into hospice, is aware of tributes, enjoying ice cream

Bill Barrow – May 23, 2023

Motorists pass a sign dedicated to former President Jimmy Carter along Jimmy Carter Blvd. on Tuesday, May 23, 2023, in Norcross, Ga. (AP Photo/Alex Slitz)

NORCROSS, Ga. (AP) — Three months after entering end-of-life care at home, former President Jimmy Carter remains in good spirits as he visits with family, follows public discussion of his legacy and receives updates on The Carter Center’s humanitarian work around the world, his grandson says. He’s even enjoying regular servings of ice cream.

“They’re just meeting with family right now, but they’re doing it in the best possible way: the two of them together at home,” Jason Carter said of Jimmy and Rosalynn Carter, now 98 and 95 years old.

“They’ve been together 70-plus years. They also know that they’re not in charge,” the younger Carter said Tuesday in a brief interview. “Their faith is really grounding in this moment. In that way, it’s as good as it can be.”

The longest-lived U.S. president, Jimmy Carter announced in February that after a series of brief hospital stays, he would forgo further medical intervention and spend the remainder of his life in the same modest, one-story house in Plains where they lived when he was first elected to the state Senate in 1962. No illness was disclosed.

The hospice care announcement prompted ongoing tributes and media attention on his 1977-81 presidency and the global humanitarian work the couple has done since co-founding The Carter Center in 1982.

“That’s been one of the blessings of the last couple of months,” Jason Carter said after speaking Tuesday at an event honoring his grandfather. “He is certainly getting to see the outpouring and it’s been gratifying to him for sure.”

The former president also gets updates on The Carter Center’s Guinea worm eradication program, launched in the mid-1980s when millions of people suffered from the parasite spread by unclean drinking water. Last year, there were fewer than two dozen cases worldwide.

And in less serious moments, he also continues to enjoy peanut butter ice cream, his preferred flavor, in keeping with his political brand as a peanut farmer, his grandson said.

Andrew Young, who served as Carter’s U.N. Ambassador, told the AP that he too visited the Carters “a few weeks back” and was “very pleased we could laugh and joke about old times.”

Young and Jason Carter joined other friends and admirers Tuesday at a celebration of the former president along Jimmy Carter Boulevard in suburban Norcross, just northeast of Atlanta. Young said the setting — in one of the most racially and ethnically diverse suburban swaths in America — reflected the former president’s broader legacy as someone who pursued peace, conflict resolution and racial equity.

When the almost 10-mile stretch of highway in Gwinnett County was renamed in 1976 — the year he was elected president — the small towns and bedroom communities on the edge of metropolitan Atlanta were only beginning to boom. Now, Gwinnett alone has a population of about 1 million people, and Jimmy Carter Boulevard is thriving, with many businesses owned by Black proprietors, immigrants or first-generation Americans.

Young, a top aide to the Rev. Martin Luther King Jr. during the Civil Rights Movement, said Carter began as a white politician from south Georgia in the days of Jim Crow segregation, but he proved his values were different.

As governor and president, Carter believed “that the world can come to Georgia and show everybody how to live together,” Young said.

Now, Georgia “looks like the whole world,” said Young, 91.

Nicole Love Hendrickson, elected in 2020 as the first Black chair of the Gwinnett County Board of Commissioners, praised Carter as “a man with an exceptional regard for the humanity of others.”

Alluding to Carter’s landslide re-election defeat, Young said he has personally relished seeing historians and others finding success stories as they reassess Carter’s presidency — ceding control of the Panama Canal, developing a national energy strategy, engaging more in Africa than any U.S. president had. Such achievements were either unpopular at the time or overshadowed by Carter’s inability to corral inflation, tame energy crises or free the American hostages in Iran before the 1980 election.

“I told him, ‘you know, it took them over 50 years to appreciate President Lincoln. It may take that long to appreciate you,’” Young said.

“Nobody was thinking about the Panama Canal. Nobody would have thought about bringing Egypt and Israel together. I mean, I was thinking about trying to do something in Africa, but nobody else in Washington was, and he did. He’s always had an idea about everything.”

Still, when Jason Carter addressed his grandparents’ admirers Tuesday, he argued against thinking about them like global celebrities.

“They’re just like all of y’all’s grandparents — I mean, to the extent y’all’s grandparents are rednecks from south Georgia,” he said to laughter. “If you go down there even today, next to their sink they have a little rack where they dry Ziplock bags.”

Most remarkable, Jason Carter said, is the fact such a gathering occurred with his grandfather still living.

“We did think that when he went into hospice it was very close to the end,” he told attendees. “Now, I’m just going to tell you, he’s going to be 99 in October.”

Ron DeSantis is learning that not every state wants to be Florida

NBC News

Ron DeSantis is learning that not every state wants to be Florida

Henry J. Gomez – May 22, 2023

Charlie Neibergall

Wherever Gov. Ron DeSantis goes, he brings greetings from “the free state of Florida.” He heralds his “Florida Blueprint.” And he brags about how many people originally from whichever state he happens to be visiting love taking advantage of Florida’s warm weather and low taxes.

But a funny thing has happened as DeSantis travels the country with a “Make America Florida” message that underpins the Republican’s soon-to-launch presidential campaign.

DeSantis has found that not everyone wants to be Florida. And he has encountered spirited pushback from competitive fellow governors and GOP officials who believe that their states have done just as much, if not more, to advance a conservative agenda.

“It’s a lot of fun competing with my colleagues and Republican governors across the country,” Iowa Gov. Kim Reynolds, who has hosted DeSantis in the first-in-the-nation caucus state, said in an interview with NBC News. “But make no mistake, we are competitors.”

Reynolds introduced and interviewed DeSantis at two events in March, making sure to hold up her own record alongside his and frame them as equally accomplished governors. DeSantis, though, emphasized that he enjoys a “special perch” or “unique catbird’s seat” to view how other governors are doing, “because when people visit or move here, they tell me what’s going on in their states.”

After bestowing this authority onto himself, he took some shots at Democratic-led Illinois and proclaimed that Reynolds indeed presides over “one of the best-run states.”

It’s a tricky task — one that has caught attention of DeSantis’ home state reporters at Florida Politics — that in the wrong hands can come off as a magnanimous pander or a condescending pat on the back. And there have been signs in recent weeks that DeSantis recognizes he needs to shift how he talks about Florida, making it seem less aspirational and exceptional and more like an example of Republican leadership that has thrived elsewhere.

Reynolds, who stressed that her rivalry with DeSantis is friendly, brushed aside a question about whether his comments might offend Iowans and then quickly pivoted to her own accomplishments.

“Offend Iowans? Oh no, because I took care of that,” Reynolds said. “Because starting this year, we no longer tax retirement income. I made a deal with Gov. DeSantis. I said, ‘Hey, I’ll let our retirees go down to Florida — maybe a couple of months in January and February when the temperature’s not as good here in Iowa. … He’s gracious when he talks about it.”

DeSantis’ Florida boosterism has also prompted some ribbing in New Hampshire. At a GOP dinner there last month, DeSantis spoke admiringly about that state’s “Live Free or Die” motto before launching into his self-congratulatory story. Before DeSantis left the stage, New Hampshire GOP Chairman Chris Ager playfully jabbed at the governor.

“Instead of people moving to Florida,” Ager said, “maybe you can move up here.”

DeSantis’ spokesperson did not return a request for comment for this piece.

As boastful as DeSantis can be, he also searches for common cause with his audiences. During two stops in Ohio last month he played up his mother’s roots in the Youngstown area and his wife’s childhood in Troy, near Dayton. During that trip, he told a GOP crowd over breakfast in Akron that some parts of Florida are like “Ohio South,” given the number of retirees there.

“And it’s all good, because I’ll tell you, when it came time to get that big victory margin, there were a lot of transplanted people from Ohio who had my back,” DeSantis said, referring to his 19-point re-election margin last year. “So, God bless them for doing that.”

During a speech in South Carolina, DeSantis mentioned how his in-laws now live in the state and how he’s noticed more traffic on the roads there when he and his wife visit.

“Similar to what we’ve seen in Florida over the years with people coming down here,” he said.

But he was unable to resist an attempt at one-upmanship: “Famously — and, as long as I’m around, permanently — we have no state income tax. You guys should try that sometime.”

In Georgia, a compliment quickly gave way to grievance.

“One thing we’re no longer No. 1 in is college football,” DeSantis told an audience during a visit to a gun store in March. “So I just have a little bit of a plea … just stop taking so many of our high school football recruits. Can you give us a little bit of a chance?”

Ager, the New Hampshire GOP chair, said in an interview that he sees nothing wrong with friendly competition — and he wasted little time asserting his own state’s superiority.

“We are clearly No. 1. Gov. DeSantis calls it the free state of Florida. But the Cato Institute … in their whole scoring criteria, New Hampshire came in first last year,” Ager said, referring to a libertarian think tank’s ranking of New Hampshire as the freest state, based on personal and economic freedoms. “So we have some objective criteria from a third party.”

DeSantis himself seems to have softened his pitch a tad. While addressing the Utah GOP’s organizing convention in late April, he called the state, led by Republican Gov. Spencer Cox, “one of the best governed, best performing states.” DeSantis then went on to bestow perhaps the biggest compliment he could, even if it kind of came at the expense of a third state.

“I was recently visiting with some folks in Iowa, and people said, ‘Iowa, they’re really the Florida of the Midwest with all the conservative stuff they’re doing,’” DeSantis said. “Well, let me just tell you, maybe this is a little secret, but it might just be that Florida’s the Utah of the Southeast.”

By the time he returned to Iowa this month, DeSantis sounded ready to reconsider.

“I was here in March, and someone kind of took note and they’re like, ‘Man … Iowa’s like the Florida of the Midwest.’ … But I just want to let you know, after watching all the good stuff you’ve done in Iowa, it may be that Florida is the Iowa of the Southeast. So we’ll see.”

For the competitive Reynolds, there’s no question.

“Absolutely,” said Iowa’s governor, who has not endorsed a candidate for president. “Florida is the Iowa of the Southeast, and we’re doing everything we can to continue that narrative.”

Florida flood insurance costs are about to explode. ZIP codes closest to the coast will pay the most

South Florida Sun Sentinel

Florida flood insurance costs are about to explode. ZIP codes closest to the coast will pay the most

Ron Hurtibise, South Florida Sun Sentinel – May 22, 2023

Events of the past year have convinced more Florida homeowners of the need to carry flood insurance.

Flooding caused by hurricanes Ian and Nicole caught hundreds, if not thousands, of homeowners across the state by surprise, and without flood insurance.

Similarly, many homeowners affected by last month’s historic rainfall in eastern Broward County had no flood insurance and learned tragically that damage caused by water rising from the ground was not covered by their normal homeowner insurance.

It’s not just flood victims who are experiencing hard lessons about flood insurance.

Just as homeowners are realizing the increased risks of going without flood coverage, the Federal Emergency Management Agency has released data showing that coverage costs are exploding for properties in coastal areas most vulnerable to flooding.

The cost hikes stem from mandates by Congress to require rates charged by the National Flood Insurance Program, which is run by FEMA, to reflect the cost of flood risk to individual covered properties, and to pay down the program’s deficit, which was $20.5 million as of last November, according to FEMA.

The result is a new risk pricing model called Risk Rating 2.0, which took effect on Oct. 1, 2021, for new NFIP policies and on April 1, 2022, for renewing policies. Rather than set rates solely based on a property’s elevation within a zone on a Flood Insurance Rate Map, the new approach considers more risk variables such as flood frequency, types of flooding, and distance to a water source, along with individual property characteristics like elevation and the cost to rebuild, FEMA’s website states.

Improved modeling, however, is of little comfort to homeowners who will have to pay more for flood insurance at the same time costs of regular multiperil property insurance are skyrocketing.

Recently, FEMA released a spreadsheet that compared average premiums currently and how high they’ll climb under the new pricing model.

For example, homeowners in Boca Raton’s 33432 ZIP code can look forward to a whopping 229% flood insurance premium increase, from an average $950 per policy to $3,128.

In Broward County, the 33305 ZIP code that includes Wilton Manors and Fort Lauderdale neighborhoods near the Middle River will pay 209% more, from $1,099 to $3,400.

In the 33315 zip code, which includes Fort Lauderdale’s Edgewood neighborhood that was among the hardest-hit by last month’s flooding, average rates will increase by 64% — from $863 currently to $1,420.

These numbers are averages. Within each ZIP code are less expensive homes with cheaper coverage costs and pricier homes that will cost even more to insure.

Unsurprisingly, homes nearest the coast, particularly in low-lying areas, cost far more to insure than homes on higher ground in western suburban cities.

For example, homeowners in Coral Springs’ 33071 ZIP code are looking at a total premium increase of just 17.6% — from $669 to $787.

FEMA says the new pricing model will also drive down the cost of flood insurance for customers with low-risk characteristics. Yet, none of South Florida’s ZIP codes will see average rates decrease, FEMA’s data shows.

Not everyone facing rate increases will have to pay the higher premiums immediately. While homeowners who previously did not carry NFIP flood insurance will have to pay the new higher prices if they want a new policy, price hikes for existing policyholders are capped at 18% a year for homesteaded properties and 25% annually for second homes or investment properties, until they reach the new rates.

If the total increase is 18% or less, affected homeowners will pay it just once — presumably until FEMA raises rates again, whenever that happens.

Few homes have flood insurance, even in Florida

Although Florida has the largest number of NFIP flood insurance policies of any U.S. state — 597,967 of 2.2 million in the U.S., FEMA data shows, the percentage of covered homes remains low.

Florida has 3.8 million detached single-family homes, according to 2020 census figures. The number of FEMA flood insurance policies are just 15.7% of that total. In South Florida’s tricounty region, the percentage is 20.8%.

The actual percentages of homes with flood insurance are likely to be a little different. The above estimates don’t take into account private flood insurance policies, which are increasing but still a fraction of the number of federally-backed policies. And the estimates exclude attached single-family homes, such as townhomes. The percentage also does not include condominiums, which are typically covered by blanket commercial policies.

Experts advise every Florida homeowner to buy flood insurance because flooding can happen throughout the state, as during last fall’s hurricanes.

But many buy flood insurance only when required, such as home loan borrowers with federally backed mortgages who live in high-risk flood zones.

Flood insurance required for some with Citizens insurance

This year, a new set of homeowners are required to buy flood insurance. Customers of state-owned Citizens Property Insurance Corp. who live in high-risk flood zones are required to also carry flood insurance.

That mandate, enacted by the state Legislature and governor last year, took effect on April 1 for new Citizens policyholders and on July 1 for renewing policyholders.

Under the new law, all Citizens policyholders will have to buy flood insurance by 2027.

According to Citizens data, 228,203 of the company’s 1.2 million customers are now required to buy flood insurance. Of them, 105,763 are in Broward, Palm Beach or Miami-Dade counties.

When enacted last year, the law also required condo owners covered by Citizens to buy flood insurance. They were exempted, however, by a new law that was passed during the just-completed spring Legislative session and now awaits the governor’s signature. The change followed complaints that flood insurance is unnecessary for residents on upper floors of multistory buildings and for those covered by commercial policies that cover all units.

Although the mandate remains in place legally, Citizens has stopped sending notices to condo owners telling them they must buy flood insurance at renewal time, Citizens spokesman Michael Peltier said. Once it is signed, condo owners who bought coverage will be able to drop it.

If they bought FEMA coverage, they can request refunds if their policies have not yet taken effect, the NFIP’s website states.

Because the flood insurance requirement for renewing Citizens customers won’t take effect until July 1, Ryan Papy, president of Palmetto Bay-based Keyes Insurance, says it’s still a bit early to gauge the impact.

“There hasn’t been that much sticker shock,” Papy said in an email. “Many (premiums) in Miami-Dade County have gone down.”

But he added, “We do see issues when some clients are purchasing new property.” The difference between a new owner’s premiums and the capped rates paid by the previous owner can sometimes “be extreme,” he said.

Save money on the private market?

Florida homeowners hit hardest by rising NFIP rate hikes might ask their agents to see if they can save money by checking out the private flood insurance market.

Neptune Flood, the nation’s largest private flood insurer with more than 150,000 clients, can save policyholders up to 25% off the cost of comparable NFIP coverage, Neptune spokeswoman Loren Pomerantz said by email.

Private flood insurance satisfies requirements of both federal mortgage guarantors and Citizens, according to Pomerantz and Peltier.

Pomerantz said Neptune’s sales in Florida have increased in recent months. Sales climbed 20% in areas hard hit by Hurricane Ian prior to the new Citizens mandate taking effect. In high-risk flood zones, sales have increased 25% since April 1 compared to the same period last year, she said.

Private flood insurance also offers coverage that far exceeds the NFIP’s $250,000 cap for structural damage and $100,000 limit for personal property damage. “We can cover homes for up to $4 million in building coverage and $500,000 of personal property,” she said. “Additional coverage options not available through the NFIP include pool repair and refill, replacement cost on contents, temporary living expenses and more. This allows a homeowner to adequately cover their property and protect their families in the event of a flood-related loss.”

David Axelrod: After Barack Obama, America will never be the same

CNN – Opinion

David Axelrod: After Barack Obama, America will never be the same

David Axelrod – May 20, 2023

In all the years I worked for Barack Obama, I didn’t think enough about the burdens of being America’s first Black president – in part because he bore them so gracefully.

There were bracing moments, of course, like the day, relatively early in his campaign for the White House, when Secret Service agents became a constant presence in his life, given the inordinate number of death threats against him.

There were the overtly racist memes about his citizenship and faith and worthiness, fueled by demagogues and social media, that continued throughout his presidency.

There was the startling outburst from a Southern congressman, who shouted “You lie!” during a presidential address to Congress – an intrusion that has since become more common but back then was a stunning departure from civic norms.

Among Obama’s staff, we dealt with these moments mostly as political challenges to navigate. And while he addressed issues of race, Obama rarely spoke, publicly or privately, about the unique pressures he faced personally.

It took someone else to open my eyes and cause me to think more deeply about the extraordinary burden – and responsibility – of being a trailblazer at the highest of heights in a nation where the struggle against racism is ongoing.

In 2009, Obama was considering nominating Sonia Sotomayor, a highly regarded federal appellate judge from New York, for a seat on the US Supreme Court.

If appointed, Sotomayor would become the first Latina on the nation’s highest court. The president asked me to chat with her and assess how she would hold up under the pressures of the confirmation process and that weighty history.

I met with Sotomayor in the Eisenhower Executive Office Building on the White House complex, where she had been spirited for a final round of clandestine interviews. I asked her what, if anything, worried her about the process.

“I worry about not measuring up,” she said, bluntly.

It was instantly clear to me that this brilliant, accomplished judge, who fought her way from poverty in the South Bronx to Princeton and Yale Law School, was talking about more than her own ambitions. As The First, she knew she also would be carrying with her the hopes and aspirations of young Latinas everywhere. Her success would be their inspiration. Her failure would be their setback.

That conversation prompted me to reconsider the unspoken burden the president himself had navigated so well for so long under the most intense spotlight on the planet. The burden was not just racism but the responsibility to measure up, to excel, to shatter stereotypes and to be an impeccable role model in one of the world’s toughest and most consequential jobs.

Watching the episode of CNN’s documentary series “The 2010s” about Obama, I was reminded again of how well he weathered those burdens.

It isn’t that he got everything right. No president does. And there always will be a debate about how much the election of the first Black president contributed to the reactionary backlash that yielded Donald Trump, a divisive and toxic figure who would lead the country in an entirely different direction.

But the history is clear: Obama led the nation through an epic economic crisis and war, passed landmark legislation on health care and strengthened the social safety net, bolstered America’s standing in the world and, in our most painful moments, comforted the nation by speaking eloquently to what Abraham Lincoln called the “better angels of our nature.”

Against the relentless pressure of being First and all the anger and resentment that it may have stirred among some fearful of change, Obama was consistently thoughtful, honorable and poised. He carried himself with the comforting authenticity of a man who knows who he is – and never flinched.

When Obama was considering a campaign for president in the fall of 2006, a small group of friends and advisers gathered with him in my office in Chicago to assess a possible race.

Michelle Obama – perhaps the greatest skeptic in the room at that moment about the advisability of such an audacious journey – asked a fundamental question: “Barack, it kind of comes down to this. There are a lot of good, capable people running for president. What do you think you could contribute that the others couldn’t?”

“There are a lot of ways to answer that but one thing I know for sure: The day I raise my hand to take that oath of office as president of the United States,” he said, lifting his right hand, “the world will look at us differently and millions of kids – Black kids, Hispanic kids – will look at themselves differently.”

Two years later, in Chicago’s Grant Park, where Obama claimed victory, I watched a sea of humanity, including Black parents, with tears rolling down their cheeks, as they held their kids aloft to witness the scene.

Jacob Philadelphia, the son of a White House staff member, touches then- President Barack Obama’s hair in the Oval Office of the White House. – Pete Souza/The White House/The New York Times/Redux

And then there was the iconic photo in the Oval Office of five-year-old Jacob Philadelphia, the son of a White House staffer who was leaving the administration. The little boy, who is Black, stood dressed in a shirt and a tie. He had looked up at the president and asked, “Is your hair like mine?” Obama bowed his head toward the boy and told him, “Go ahead, touch it,” which he did.

It was a moving, spontaneous scene captured by the splendid White House photographer Pete Souza. The moment spoke volumes about Obama, his meaning in our history and the unique responsibly he bore.

As the president bowed his head to this little boy, his unspoken message was clear: “Yes, you are like me. Yes, you can dream big dreams.”

Under extraordinary pressures, Obama more than “measured up,” not just as a president but as a role model. As a First.

And for that alone, America will never be the same.

A ‘Canadian Armageddon’ Sets Parts of Western Canada on Fire

The New York Times

A ‘Canadian Armageddon’ Sets Parts of Western Canada on Fire

Dan Bilefsky – May 20, 2023

Flames from a prescribed burn, started by wildland firefighters in an attempt to halt the spread of larger wildfires, in Shining Bank, Alberta, Canada on May 19, 2023. (Jen Osborne/The New York Times)

EDMONTON, Alberta — As acrid smoke filled the air, turning the sky around her sleepy hometown, Fox Creek, Alberta, a garish blood orange, Nicole Clarke said she felt a sense of terror.

With no time to collect family photographs, she grabbed her two young children, hopped into her pickup truck, and sped away, praying she wouldn’t drive into the blaze’s menacing path.

“This feels like a Canadian Armageddon, like a bad horror film,” said Clarke, a 37-year-old hair stylist, standing outside her truck, a large hamper of dirty laundry piled in the back.

In a country revered for placid landscapes and predictability, weeks of out-of-control wildfires raging across western Canada have ushered in a potent sense of fear, threatening a region that is the epicenter of the country’s oil and gas sector.

Climate research suggests that heat and drought associated with global warming are major reasons for the increase in bigger and stronger fires.

Amid frequent fire updates dominating national television news broadcasts, the blazes have also helped unite a vast and sometimes polarized nation, with volunteers, firefighters and army reservists from other provinces rushing in to lend a hand.

Roughly 29,000 people in Alberta have been forced from their homes by the recent bout of wildfires, though that number has been cut in half in recent days as fires subsided.

Clarke said her family had been staying in cheap motels since they were ordered about a week ago to evacuate. But she and her boyfriend were unemployed and money was quickly running out.

“I don’t know if I’ll have a home to return to,” she added Thursday, sobbing.

The fires have produced such thick smoke that during recess, children in some towns have remained in their classrooms rather than risk smoke inhalation outside. Dozens of residents left in such a frantic panic that they left pets behind.

On Highway 43, a long stretch of Alberta highway peppered by small, evacuated towns, the thick layer of smoke blanketing the road on Thursday conjured the feeling of a dystopia.

With helicopters hovering and dropping water, police cars with flashing lights blocked parts of the highway as fires approached the road. Residents trying to return to homes they hoped were still intact commiserated as they were forced to turn back.

Fires have broken out throughout western Canada, including British Columbia, but hardest hit has been neighboring Alberta, a proud oil and gas producing province sometimes referred to as “the Texas of the North,” which has declared a state of emergency. More than 94 active wildfires were burning as of Friday afternoon.

British Columbia was the site in 2021 of one of Canada’s worst wildfires in recent decades, when fires decimated the tiny community of Lytton after temperatures there reached a record 49.6 degrees Celsius, or 121.3 Fahrenheit.

Not since the worst of the COVID-19 pandemic buffeted the region has the area been so overcome by apprehension, accompanied by the all-too familiar need to wear masks outside. Only this time, residents say, a silent killer has been replaced by something more visceral and visible.

So far, no deaths have been reported. But in Alberta, Frankie Payou, a firefighter and 33-year-old father of three from the East Prairie Métis Settlement in Northern Alberta, was in a coma with severe injuries after being hit in the head by a burned tree. His home was also destroyed by a fire.

The bulk of the fires are in the far north of the province, home to many Indigenous communities, dealing a heavy blow to people who depend on the land and natural resources.

At a sprawling evacuation center in Edmonton, Ken Zenner, 61, a father of eight, two of whom are members of the Sturgeon Lake Cree Nation, said he and his family had been evacuated from the town of Valleyview. He worried how they would get by.

Families that have been displaced for a cumulative seven days are eligible for government-provided financial support, according to provincial regulations. But Zenner said he didn’t qualify because he had only been evacuated for six days.

“Indigenous communities have been underfunded for years and now we are seeing the consequences,” he said.

The rest of the country is mobilizing to help. Some 2,500 firefighters are battling the fires, among them 1,000 from other provinces. Joining them are wilderness firefighters from the United States.

The fires have even affected Alberta’s largest city, Calgary, where residents this week said they sat down for breakfast only to see and smell pungent smoke entering from cracks under their front doors.

Environment and Climate Change Canada said the air quality index for the city Wednesday afternoon was at 10+, or “very high risk.” Canadian health authorities have warned the smoke could cause symptoms ranging from sore and watery eyes to coughing, dizziness, chest pains and heart palpitations.

In Alberta, the blazes have brought back bad memories of 2016 when a raging wildfire destroyed 2,400 buildings in Fort McMurray, Alberta, the heart of Canada’s oil sands region with the third-largest reserves of oil in the world.

Alberta is Canada’s main energy-producing province and the United States’ largest source of imported oil and the fires have compelled some companies to curb production.

As flames bore down on wells and pipelines, major drillers such as Chevron and Paramount Resources together shut down the equivalent of at least 240,000 barrels of oil a day, according to energy consulting firm Rystad Energy.

For now, the disruptions affect only a small proportion of the country’s total oil and gas output. Still, they underscore how the production of oil and gas, the main driver of climate change, is also vulnerable to increasingly dire consequences of a warming planet.

Some say the fire may help galvanize Canadians about the perils of climate change. “The smoke from forest fires has an in-your-face impact affecting millions of Canadians that makes it harder to ignore,” the CBC, the national broadcaster, observed this week.

The human toll of the fires will reverberate for weeks to come. Christine Pettie, a business manager for a logging cooperative in Edson, a rural town about two hours west of Edmonton, said residents were still shellshocked after being evacuated.

She and her husband left in such a rush that he forgot his insulin medicine. They were fortunate that their home remained standing.

Still, Pettie said, the experience “definitely shook me to my core.”

Texas is facing a housing crisis, a migrant crisis, a multi-year drought, and an epidemic of mass shootings. Ted Cruz, meanwhile, has opened an investigation into Bud Light.

Insider

Texas is facing a housing crisis, a migrant crisis, a multi-year drought, and an epidemic of mass shootings. Ted Cruz, meanwhile, has opened an investigation into Bud Light.

Katie Balevic – May 20, 2023

Texas Sen. Ted Cruz opened an investigation into Bud Light’s partnership with trans influencer Dylan Mulvaney.

Meanwhile, Texas is grappling with a migration crisis and a severe housing crisis.

And also an epidemic of gun violence, extreme weather, and a multi-year drought.

Texas is facing a laundry list of crises: housing, immigration, and weather, among others.

So, naturally, Texas Sen. Ted Cruz is opening an investigation into Bud Light.

Social conservatives across the country continue to clutch their pearls over Bud Light’s partnership with influencer Dylan Mulvaney, a 26-year-old transgender activist who has shaken the far-right’s perception of reality by existing in the open.

The company’s partnership with Mulvaney led to right-wing calls for a boycott of Bud Light, which has impacted sales at its parent company, Anheuser-Busch. The latter reported a 23% drop in sales for the last week of April compared to the previous year, CBS News reported.

Together with Sen. Marsha Blackburn of Tennessee, Cruz sent a letter to the beer industry’s regulatory body, the Beer Institute, inquiring whether Anheuser-Busch’s partnership with Mulvaney “violates the Beer Institute’s guidelines prohibiting marketing to underage individuals.”

“The Beer Institute must examine whether your company violated the Beer Institute’s Advertising/Marketing Code and Buying Guidelines prohibiting marketing to individuals younger than the legal drinking age,” the letter said, claiming that “Mulvaney’s audience skews significantly younger than the legal drinking age.”

To avoid an investigation, Cruz and Blackburn offered Anheuser-Busch the option to “publicly sever its relationship with Dylan Mulvaney, publicly apologize to the American people for marketing alcoholic beverages to minors, and direct Dylan Mulvaney to remove any Anheuser-Busch content” from her social media platforms, they wrote in the letter.

The letter, which misgendered Mulvaney throughout, also seeks documents and information on how “Anheuser-Busch vets its partnerships and how Anheuser-Busch failed in assessing the propriety of a partnership with Dylan Mulvaney.”

Meanwhile, in Cruz’ home state of Texas:

Following the expiration of Title 42, the fates of thousands of immigrants are up in the air as politicians on both sides of the aisle play hot potato by busing them to different cities.

The state faces an urgent housing and affordability crisis. There are just 25 available rental units for every 100 low-income households, according to The Texas Tribune.

Texas is also grappling with a series of deadly extreme weather events. In 2022, at least 279 people in Texas died from extreme heat, and the year before that, 246 Texans died from a brutal winter freeze. And Texas farmers are bracing for another growing season beset by a multi-year drought.

Texas is also the epicenter of gun violence. It is the site of 5 of the 10 deadliest shootings in US history.

Beer marketing, however — thanks to Cruz — has all the attention of the state’s top leaders in Washington.

Texas is facing a housing crisis, a migrant crisis, a multi-year drought, and an epidemic of mass shootings. Ted Cruz, meanwhile, has opened an investigation into Bud Light.

Insider

Texas is facing a housing crisis, a migrant crisis, a multi-year drought, and an epidemic of mass shootings. Ted Cruz, meanwhile, has opened an investigation into Bud Light.

Katie Balevic – May 20, 2023

Texas Sen. Ted Cruz opened an investigation into Bud Light’s partnership with trans influencer Dylan Mulvaney.

Meanwhile, Texas is grappling with a migration crisis and a severe housing crisis.

And also an epidemic of gun violence, extreme weather, and a multi-year drought.

Texas is facing a laundry list of crises: housing, immigration, and weather, among others.

So, naturally, Texas Sen. Ted Cruz is opening an investigation into Bud Light.

Meanwhile, in Cruz’ home state of Texas:

Following the expiration of Title 42, the fates of thousands of immigrants are up in the air as politicians on both sides of the aisle play hot potato by busing them to different cities.

The state faces an urgent housing and affordability crisis. There are just 25 available rental units for every 100 low-income households, according to The Texas Tribune.

Texas is also the epicenter of gun violence. It is the site of 5 of the 10 deadliest shootings in US history.

Beer marketing, however — thanks to Cruz — has all the attention of the state’s top leaders in Washington.

Supreme Court Justice Neil Gorsuch calls COVID-19 response “the greatest intrusion on civil liberties in peacetime history”

Insider

Supreme Court Justice Neil Gorsuch calls COVID-19 response “the greatest intrusion on civil liberties in peacetime history”

Sarah Al-Arshani – May 20, 2023

In a statement, Supreme Court Justice Neil Gorsuch made it clear where he stands on the pandemic-era emergency response.

Gorsuch called it “the greatest intrusion on civil liberties in the peacetime history of this country.”

His statement came in response to a Republican-led effort to extend Title 42, a restrictive immigrant policy.

As COVID-19 spread across the United States in 2020, among the wide-ranging efforts to insulate the country from the pandemic was Title 42, a restrictive immigration policy allowing the rapid expulsion of asylum seekers and other migrants.

The measure — initially implemented by the Trump administration and expanded under President Joe Biden — expired this month. The US Supreme Court last week rejected a push by Republican-led states to keep it in place.

In an eight-page statement in response to the case, Supreme Court Justice Neil Gorsuch didn’t mince words. He called the country’s response to the COVID-19 emergency “the greatest intrusion on civil liberties in the peacetime history of this country.”

“Executive officials across the country issued emergency decrees on a breathtaking scale. Governors and local leaders imposed lockdown orders forcing people to remain in their homes. They shuttered businesses and schools, public and private, ” Gorsuch wrote in the statement, released Thursday.

Gorsuch has long been critical of restrictive COVID-19 measures, the Associated Press reported. In January 2022, he was the only Justice who refused to wear a mask, forcing Justice Sonia Sotomayor to participate in oral arguments virtually. Sotomayor has diabetes and is at a higher risk of severe illness from COVID-19.

In Thursday’s statement, Gorsuch warned that the “concentration of power in the hands of so few” won’t lead to “sound government.”

“One lesson might be this: Fear and the desire for safety are powerful forces. They can lead to a clamor for action —almost any action — as long as someone does something to address a perceived threat. A leader or an expert who claims he can fix everything, if only we do exactly as he says, can prove an irresistible force,” he wrote.

Texas has the anti-climate Governor: Greg Abbott signs Law Making EV Owners Pay for Their Gas-Free Cars

Gizmodo

Greg Abbott Signs Law Making EV Owners Pay for Their Gas-Free Cars

Lauren Leffer – May 19, 2023

EV drivers in Texas don’t pay at the pump, but will have to start paying a significant annual fee that critics are calling “punitive.”

Driving an electric vehicle in Texas is soon to become more expensive. Governor Greg Abbott signed a law (SB 505) on May 13 instituting new fees for registering and owning EVs in the state. Under the bill, electric car owners will have to pay $400 upon registering their vehicle. Then, every subsequent year, EV drivers will have to shell out an additional $200. Both of those fees are on top of the cost of the standard annual registration renewal fees, which are $50.75 each year for most passenger cars and trucks.

The law exempts mopeds, motorcycles, and other non-car EVs, and goes into effect starting on September 1, 2023.

At least 32 states currently have special electric vehicle registration fees, according to data from the National Conference of State Legislatures. These range from $50 in places like Colorado, Hawaii, and South Dakota to $274 (starting in 2028) in a recently passed piece of Tennessee legislation. Note: Tennessee lawmakers had originally proposed a $300 fee, but lowered it in response to pushback.

Like many other states that have instituted EV fees, the reasoning behind the Lone Star State’s new law is that electric car drivers don’t buy gas. Taxes at the fuel pump are the primary way that most states, Texas included, amass funds for road construction, maintenance, and other driving-related infrastructure.

“Currently, Texas uses the gasoline/diesel fuel tax to fund transportation projects; however, with the growing use of EVs, the revenue from the fuel tax is decreasing, which diminishes our ability to fund road improvements for all drivers,” said the bill’s author, Republican State Senator Robert Nichols, in comments about the legislation, per local NBC News affiliate KXAN.

But, compared with what gas drivers contribute, Texas’s EV fees seem a little out of whack. Charging $200 per year and $400 at the outset of EV ownership places Texas’s fee schedule at the higher price end of the policies out there. In comparison, Texas’s gas tax is among the lowest in the country, at just $0.20 per gallon. Just seven states impose a lower duty on gasoline than TX. Among the 10 most populous states in the country, additional fees levied elsewhere make Texas’s gas the cheapest.

The average Texas driver burned through ~55 million BTUs of motor gasoline in 2018, according to data from the U.S. Energy Information Administration. That’s equal to about 440 gallons of gas. At $0.20 per gallon, the standard car owner in Texas is paying just $88 per year in gas taxes—far less than the hundreds more EV drivers will now be throwing into the pot. A 2022 Consumer Reports analysis determined that a Texas driver’s gas tax contribution is even lower, at just $71.

The new law says loud and clear that Texas is “fully behind oil and gas,” Kara Kockleman, a transportation engineering professor at the University of Texas, Austin, told local ABC News affiliate KVUE. “Electric vehicles should pay a gas tax – I just think the tax on the conventional cars should be much, much higher than it is. We pay less for gas in this state than almost anyone in the world… Texas is really behind the curve on trying to do the right thing by the environment. And so, that’s embarrassing, I think, for all of us.”

There’s no doubt that roads and other car infrastructure are expensive. Though it can be easy to forget that—every time a driver cruises down the asphalt, complies with a traffic signal, or reads a highway sign—they’re benefiting from a costly system constructed for their particular use and benefit. But compared with other forms of transportation in the U.S., car ownership is already heavily subsidized. So is burning fossil fuels.

According to a 2015 analysis from the nonprofit Canadian media outlet The Discourse, society pays more than $9 for every $1 a driver pays in commuting: Through infrastructure, accident liability, noise and air pollution, and congestion. Buses, biking, and walking all eat up much less public funds for the same amount of miles traveled. EVs presumably also have a slightly lower public cost, as they’re quieter and don’t directly emit air pollution.

Yet in Texas, the tax load for driving an electric car will far exceed that of a gas-powered vehicle. The new law is “punitive” according to Consumer Reports. “Consumers should not be punished for choosing a cleaner, greener car that saves them money on fuel and maintenance,” Dylan Jaff, a policy analyst at CR, wrote in an April statement. “The fees proposed in this bill will establish an inequitable fee scale for EV owners, and will not provide a viable solution to the long-standing issue of road funding revenue.”

Luke Metzger, director of the non-profit advocacy group, Environment Texas, echoed Consumer Reports’ findings in a statement from last month. “The Texas Legislature is pouring sugar in the tank of the electric vehicle revolution. This punitive fee will make it harder for Texans to afford these clean vehicles which are so critical to reducing air pollution in Texas.”

Electric personal vehicles are not a perfect solution to the ongoing problem of petroleum-powered cars. Swapping every gas-guzzler for an EV still would use up an extraordinary amount of resources, that are likely to be ill-gotten. Public investment in mass transit would inarguably be a better environmental strategy. But, as long as the U.S. remains overwhelmingly car dominant and as long as most Americans lack access to adequate public transit, EV uptake remains important for lowering the nation’s carbon emissions.

Already, the upfront costs of purchasing an electric car are significantly higher than buying a gas vehicle. A disproportionate tax system adds to that burden, and it could dissuade people from transitioning to EVs.